It would be good, yet still nothing more than a dream. I still need to convert Bitcoin or Ether to fiat on a daily basis with my Wirex or Fedor cards to cover my expenses and pay everywhere.
People doesn't changes and this is the main reason why crypto will not be widely adopted in next 5-10 years. Like it or not, we will depend on exchanges, not necessary banks.
That's certainly true, mate. People can't adapt to changes easily, which means that they'll be slow in adopting something new in their daily lives. For many years, fiat has dominated our world and for obvious reasons, many people trust it. Considering how Bitcoin is just 10 years old, it's still relatively new to the world. Perhaps, after the Blockchain industry becomes so successful, we'll get to see crypto more often in mainstream businesses and corporations
People don't easily adapt unless they have to and it is a matter of their own survival. And then you will be surprised how fast this process can go. For example, if a local currency is being massively devalued by the corrupt and incompetent government (like it happened in Zimbabwe and is now happening in Venezuela), people will quickly start using other currencies as well as Bitcoin, provided it is technically available to them (i.e. they have Internet access). They will adopt anything that will help them save their wealth (if they have it, of course)
As the saying goes, necessity is the mother of invention